Insurance Built Around the Life You've Earned

Q: Why use McDade instead of going direct to Geico, Progressive, or State Farm?

Geico, Progressive, and State Farm are captive carriers that sell only their own products. McDade is independent, with access to 50+ top Texas carriers we know well. We compare contracts across carriers line by line, where direct writers can only quote their own product. About 40% of the time we tell clients to keep what they have. The other 60% is where structural issues that would have cost the household significantly are surfaced.

Q: Can you just give me an apples to apples quote against my current policy?

Yes, with a caveat. Apples-to-apples premium comparison alone is not enough because a lower premium often means a thinner contract underneath. McDade runs the contract-to-contracts standard, comparing your existing dec page against alternatives line by line, term by term, exclusion by exclusion. The result is a written recommendation, not just a number.

Q: What is a coverage review and why should I do one?

A coverage review is the contract-to-contracts audit McDade runs against your existing policy. We pull your dec page, compare it against 50+ carriers, identify any structural issues (Roof Payment Schedule additions, Cosmetic Damage Exclusions, Wind/Hail percentage conversions, sublimits, missing endorsements), and produce a written recommendation. The McDade Insurance Glossary defines 199 Texas terms so you can read your contract honestly.

Q: What does it actually cost to work with McDade?

Nothing. McDade's policy review process is free for the prospective client. We are paid by the carrier when a policy is bound, just like every other independent broker. There are no consultation fees, audit fees, or comparison fees. The review takes 5 minutes to start and produces a written recommendation within 48 to 72 business hours.

Q: Do you cover areas outside Houston and Spring?

Yes. McDade is headquartered in Spring, Texas, and serves the greater Houston metro including The Woodlands, Cypress, Bridgeland, Klein, Tomball, Humble, Conroe, Sugar Land, and Pearland, plus Texas statewide. Our digital infrastructure (EZLYNX, HubSpot, Zapier, Google Suite) supports clients across Texas regardless of physical proximity to the Spring office.

Q: What happens if I have a claim?

Call McDade first at 281.378.5002. We connect you with the carrier's claim department, document the report, and stay involved through the adjuster process. Independence helps here: we are not the carrier and not the adjuster, which means we advocate for the policyholder when claim handling needs pushback.

The McDade Coverage Review

What Does Your Policy Actually Cover?

We use a four-part framework on every review. Same framework, every product. Home. Auto. Business. Life. About 40% of the time we tell clients to keep what they have. The other 60% is where we earn our seat at your table.

i. Clarity

Plain English. Line By Line.

Replacement cost or actual cash value. Wind and hail deductible. Roof age. Water backup. Ordinance and law. We translate your contract into language you'd actually use over coffee.

Per the Texas Department of Insurance, contract language is the single biggest cause of underpaid claims.

ii. Probability

Built For Texas, Not A National Average.

The 2024 Atlantic hurricane season produced 18 named storms and 11 hurricanes. We price coverage against what actually happens here, not a national average.

Source. NOAA National Hurricane Center, 2024 season summary.

iii. Severity

Sized Against The Worst Real Outcome.

Texas leads the nation in severe hail and wind losses. A blown roof in Cypress runs differently than a fleet wreck on I-45. We size limits against your actual exposure, not a templated quote.

Source. Insurance Information Institute, severe weather losses by state.

iv. Value

Premium Versus What It Actually Pays.

The cheapest policy almost always costs more at claim time. We measure premium against what your contract actually pays out. The spread between two policies often pays for itself in one storm.

Internal data. McDade has handled hundreds of Texas claims since 2020.

About our Agency

Insurance has one job. Protect what you've worked to build.

The problem is, most people don't know what their policy actually does until a claim proves them wrong.

That's why McDade exists. Yes, we shop 50+ top carriers across Texas. But more importantly, we break down the trade-offs in plain English for clients across Harris County, Montgomery County, and the Greater Houston area. Established home buyers who moved to Cypress / Bridgeland. Business owners who leveled up. Parents putting teenagers on the road. Texans who've already earned something worth protecting.

Let's pressure test your current coverage and see what it actually protects.

✓
Fifty-plus top carriers shopped on your behalf. But more importantly, we filter out the noise and show you the trade-offs in plain English. What's covered. What's limited. What breaks at claim time.
✓
Over 270 five-star Google reviews. Your neighbors already made the switch. Now it's your turn.
✓
Hometown expertise, built into every policy. Hail, flood, hurricane, wind. Accounted for before you ever have to ask.
✓
Home, auto, life, business, and bonds under one roof. Bundle where it makes sense. Separate when it doesn't.

Home Insurance

Your home anchors everything you've built. Hail, hurricane, flood, fire, wind. Houston weather doesn't negotiate. We compare your dec page line by line and audit Coverage A, RCV, Wind/Hail, and the Roof Payment Schedule that quietly rewrites your renewal. Established Homeowners, we already know what your last policy got wrong.

Learn more

Business Insurance

Your business is your second family. Coverage engineered for your operations, not rushed quotes. General liability, property, workers comp, cyber, commercial auto, bonds. Texas Workers Comp audited at year-end. Builders Risk on the right binding window. Cyber backed by McDade family Documentary Evidence in NASA and DHS work.

Learn more

Houston Insurance FAQ

What people ask before booking a review

Have questions about some of your insurance? Here are a few of the most common questions we run into.

Why use McDade instead of going direct to Geico, Progressive, or State Farm?

Direct carriers sell you what they have. If your situation does not match their underwriting, you are on your own. McDade has access to 50+ top Texas carriers and specializes in the ones we know deeply. That means when your life changes, your coverage moves with you, not against you.

Established home purchaser. Prior claim. Teen driver. Home-based business. Those are the exact situations where a direct carrier's algorithm hits a wall and a broker starts earning their spot in your life.

Can you just give me an apples to apples quote against my current policy?

Fair question. Also the wrong one.

Apples to apples means matching your current coverage and beating the price. The problem is most homeowners have not read their 40-page policy, and neither has their last agent. You are asking to match something neither of us has actually looked at.

That is not apples to apples. That is blindfolds to blindfolds.

Insurance is a contract, not a product. Two policies with the same premium can pay out differently by tens of thousands after the same claim. The differences live in the contract language. Replacement cost. Water sublimits. Wind and hail deductibles. Ordinance and law. Mold.

None of that shows up on a quote summary. All of it shows up on claim day.

What we do instead is a real coverage review, contract to contract. About 40% of the time our team tells homeowners to keep what they have. That is how you know you are talking to an advisor, not a salesman.

Upload your policy. We will show you the difference.

What is a coverage review and why should I do one?

A coverage review is a line-by-line look at what your current policy actually covers, what it leaves out, and where the gaps are. We do not do this to sell you a new policy. We do it so you know where you stand.

About 40% of our reviews end with us telling the homeowner their current policy is solid and to keep it. The other 60% end with us finding a gap that would have cost them thousands in a claim. Either way, you walk away with the truth about your insurance. That is worth 2 minutes of your time.

The McDade Insurance Glossary defines 199 Texas-specific terms across Home, Auto, Flood, and Liability so you can read your contract honestly before signing.

What does it actually cost to work with McDade?

Nothing. You pay your insurance premium to your carrier, same as you would if you bought direct. Carriers pay us a commission out of that premium. Our service costs you zero additional dollars.

The difference is you get a human advocate who reviews your coverage, understands the market, and fights for you if a claim goes sideways.

Do you cover areas outside Houston and Spring?

Yes. We write policies all across Texas, with a focus on Harris County, Montgomery County, and the Greater Houston area. Houston is our home market. Spring, Cypress, Bridgeland, The Woodlands, Conroe, Tomball, and Klein are core service areas with dedicated coverage expertise for each neighborhood's specific exposure profile.

What happens if I have a claim?

Call McDade first at 281.378.5002. We connect you with the carrier's claim department, document the report, and stay involved through the adjuster process.

Independence helps here. We are not the carrier and not the adjuster, which means we advocate for the policyholder when claim handling needs pushback. McDade handles the contract review at the front end and the claim navigation at the back end.

Educational Disclaimer

The McDade Insurance website, glossary, and policy reviews are published for general educational purposes only. Definitions, examples, and editorial framing describe how terms and processes typically appear across Texas insurance policies but do not constitute coverage advice or a representation about how any specific policy will respond to a specific loss. Insurance contracts vary by carrier, policy form, endorsement, and state regulation. Always consult your actual declarations page and policy contract, and speak with a licensed broker before making coverage decisions.

Built Around
The Life You've Earned

What is McDade Insurance?